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Updated October 2019
Compare and apply for credit cards in Hong Kong with the best promotions and welcome gifts, such as free movie tickets and bonus reward points.
HK$250 Voucher!
HK$96,000
Min. Annual Salary
HK$4 = 1 Mile
Miles Conversion (local spend)
N.A.
Cash back on local spend
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HKD/CNY220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard contactless |
HK$500 Voucher!
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
$240,000
Min. Annual Salary
$6 = 1 Mile
Miles Conversion (local spend)
0.8%
Cash back on local spend
| Annual Interest Rate | 36.33% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 Days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$240,000 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | payWave |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
HK$300Voucher!
$240,000
Min. Annual Salary
0.8%
Miles Conversion (local spend)
$8 = 1 Mile
Cash back on local spend
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$360,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$300 Voucher!
$150,000
Min. Annual Salary
$3 = 1 Mile
Miles Conversion (local spend)
3.2%
Cash back on local spend
| Annual Interest Rate | 35.52% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | 1.5% of monthly balance + fees |
| Interest Free Period | Up to 58 days |
| Local Resident | HK$60,000 |
|---|---|
| Foreigner | HK$60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
HK$0
Min. Annual Salary
HK$6 = 1 Mile
Miles Conversion (local spend)
N.A.
Cash back on local spend
| Annual Interest Rate | 31.59% |
|---|---|
| Principle Annual Fee | HK$480 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Annual fee will be waived if yearly credit purchase spending reach HK$30,000 |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
| Interest Free Period |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Wireless payment |
Welcome gift (pick one of the following):
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | N.A |
| Interest Free Period | 1% of monthly balance + fees |
| Local Resident | HK$100,000 |
|---|---|
| Foreigner | HK$100,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa Paywave |
| Annual Interest Rate | 36.43% |
|---|---|
| Principle Annual Fee | HK$600 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance + fees |
| Interest Free Period | 56 days |
| Local Resident | HK$40,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | Mastercard PayPass |
HK$400 Voucher!
$1,000,000
Min. Annual Salary
$7.5 = 1 Mile
Miles Conversion (local spend)
N.A.
Cash back on local spend
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$7,800 |
| Supplementary Annual Fee | complimentary 2 supplementary cards |
| Fee Waiver | No |
| Minimum Monthly Repayment | N/A |
| Interest Free Period |
| Local Resident | HK$1,000,000 |
|---|---|
| Foreigner | HK$1,000,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N/A |
Extra HK$300 cash rebate
Choose one welcome offer from below:
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
| Annual Interest Rate | 31.59% |
|---|---|
| Principle Annual Fee | HK$0 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Permanent Annual Fee Waiver |
| Minimum Monthly Repayment | 4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance |
| Interest Free Period |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | N/A |
HK$250 Voucher!
| Annual Interest Rate | 33.41% |
|---|---|
| Principle Annual Fee | HK$2,000 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher |
| Interest Free Period | Up to 56 days |
| Local Resident | HK$96,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
| Annual Interest Rate | 36.43% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Higher of HK$50 or 1% of monthly balance |
| Interest Free Period | 56days |
| Local Resident | HK$240,000 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa PayWave |
Extra HK$300 cash rebate
Choose one welcome offer from below:
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
Extra HK$300 cash rebate
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | HK$800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable) |
| Interest Free Period | 53 Days |
| Local Resident | HK$0 |
|---|---|
| Foreigner | HK$0 |
| Card Association | Unionpay |
|---|---|
| Wireless Payment | UnionPay QuickPass, Apple Pay |
Welcome offers (pick one of the following):
| Annual Interest Rate | 35.70% |
|---|---|
| Principle Annual Fee | HK$1,800 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | Varies. For more info, view T&C |
| Interest Free Period | Up to 60 days |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N.A. |
| Annual Interest Rate | 37.68% |
|---|---|
| Principle Annual Fee | HK$980 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Yes |
| Minimum Monthly Repayment | The highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit. |
| Interest Free Period |
| Local Resident | HK$150,000 |
|---|---|
| Foreigner | HK$150,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Amex Pay |
| Credit Card | Welcome Offers | Rewards |
|---|---|---|
| Citi PremierMiles Card | Up to 108,000 points (Round trip ticket to Taipei) | 0.8% cashback on local spend |
| Standard Chartered Simply Cash Visa Card | Up to HK$2,000 cashback | 1.5% cashback on local spend |
| WeWa UnionPay Card | Up to $500 cash rebate or enjoy discounted price for Switch combo | 4% cashback on local spend |
| Standard Chartered Asia Miles Mastercard | Up to 40,000 miles (as low as HK$0.5 = 1 mile) | HK$4 = 1 mile |
| DBS Black World Mastercard | Up to 80,000 miles (as low as HK$1 = 1mile) | 0.8% cashback on local spend/ HK$6 = 1 mile |
From now until 19 February 2020, successfully apply for HSBC Visa Signature Card, HSBC Visa Platinum Card, HSBC Visa Gold Card, HSBC UnionPay Dual Currency Diamond Credit Card or HSBC UnionPay Dual Currency Credit Card to enjoy a first two-year annual fee waiver and an array of welcome offers which include up to HK$900 RewardCash as a welcome gift, HK$800 RewardCash as online application reward and HK$100 Reward Cash for using “Pay with RC” function successfully in the HSBC Reward+ App.
Travel promotion (Add 1 promotion for each category)
Hotel Promotions
From now until 28 June, successfully apply for Citi Prestige Card to enjoy up to 20,000 Miles (240,000 Points) and a set of a round-trip ticket to Taipei for successful applications for Citi PremierMiles Card. For successful applicants for Citi Cash Back Card, Citibank will give out HK$1,000 Cash Rebate as a welcome gift.
Travel promotion (Add 1 promotion for each category)
Hotel Promotions
Travel promotion (Add 1 promotion for each category)
Hotel Promotions
From now until 31 Aug, successfully apply for Wewa Credit Card for a set of round-trip standard seat flight tickets for one passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 hotel voucher or HK$500 cash rebate or HK$600 Häagen-Dazs™ gift voucher EarnMore Credit Card Offers. Besides, upon successful application for EarnMore Credit Card on or before 31 Dec, the new customer can enjoy OTO Qseat or HK$600 Häagen-Dazs™ Gift Voucher or HK$500 Cash Rebate as a welcome gift.
Cashback, air miles, coupons and gifts are the most common welcome offers. As for gifts, most of them are electronic devices and travel kits. For example, BEA i-Titanium Card gives you a Delsey luggage and PrimeCredit WeWa UnionPay Card gives you a Switch as a welcome offer.
Some credit cards are specialised in air miles or cashback, giving you a welcome offer accordingly. For example, Standard Chartered Asia Miles Card offers you up to 40,000 miles and Citi Cash Back Visa Card offers you up to HK$1,200 cashback as a welcome offer.
Some card issuers will collaborate with personal finance websites, like MoneySmart, to launch exclusive offers. Simply apply for credit cards through those websites, you can get extra welcome offers. For example, MoneySmart gives you an extra HK$100 cashback for applying for WeWa UnionPay Card.
From now until 31 July, successful applicants of M Power Card can enjoy up to 8 MCL movie tickets/ 365-day premium membership/ HK$500 Cash Dollars. Successfully apply for enJoy Card on or before 30 June 2019 to enjoy an array of offers including HK$3,500 designated merchants coupons/ up to HK$400 enJoy Dollars.
From now until 30 June 2019, successfully apply for BOC i-card to enjoy perpetual annual fee waiver and HK$500 free spending credit/HK$200 free spending credit. If cardholders bind BOCHK Card with WeChat official account and pay via contactless/mobile payment transaction, BOCHK will give out HK$200 spending credit offer/ up to HK$80,000 interest-free cash loan.
From now until 2 July, apply for Standard Chartered Card to enjoy 100% CashBack on any spending on eligible transactions within the first 2 months, capped at HK$1000. Successfully apply for Standard Chartered Asia Miles Mastercard on or before 2 July through online channels and meet relevant spending requirements to enjoy both the Welcome offer and the Top-up offer: up to 40,000 Asia Miles and HK$100 Cashback.
It depends. After applying for credit cards, you need to fulfill the spending requirements to get welcome offers. Take BOC i-card as an example, you’ll need to spend HK$8,000+ in the first 2 months of card issuance to get $500 free credit spending. Credit cards set limits to not only spending amounts but also spending categories. For example, BOC credit cards don’t count online bill payments and Octopus automatic add value service as eligible spending. Make sure you’ve read the Terms and Conditions before swiping your credit cards! But there are some credit cards that give you welcome gifts once your application is approved. DBS Eminent Visa Signature Card gives you 10% cashback for local spending in the first 2 months and up to HK$700 cashback without spending requirements.
Generally, yes. Most of the credit cards only prepare welcome offers for new customers, which means that you haven’t held or cancelled credit cards of your designated bank in the past 6-12 months. But some credit cards still give welcome offers to existing customers, but the value of the offer is lower than the new customers. HSBC Visa Signature Card is a good example: they offer up to HK$800 welcome gifts to new customers, but HK$500 welcome gifts for existing customers.
After getting your welcome offer, most of the banks reserve the right to charge you a handling fee and take back your welcome offer without any notice if you cancel their credit cards in 12 months of card issuance.
If you fulfil the spending requirement, like BOC credit cards, they’ll credit the welcome offer directly to your credit card account in 4 to 6 weeks. But make sure your account is working, valid and under a good credit. For other banks, they have their own policies so it’s better for you to check the Terms and Conditions.
Yes! Welcome offers are attractive, but it’s still a one-time reward. The basic rebate rate after the introductory period should be one of your considerations. Besides that, you should find out your spending pattern. Say, dining is your main expenses, then you should pick a credit card with the most dining offers. Plus, get to know why you’re applying for a credit card, then pinpoint your expenses to get the most offers like cash back and air miles.
It varies from card to card. In general, if a cardholder cancels the card in less than 12 months from the date the card is issued, a fee which is equivalent to the value of the welcome offers/ administration fee will be charged.